@LokiJr eto yung mga extra covers. For example, your health insurance covers optical items - there is a 6 month waiting period from the date na nag member ka before you can avail of that benefit. Most of the extras have 12 months waiting period kaya if these can be waived, meaning pagka member na pagka member mo pa lang e pwede mo na ma-avail, magandang offer na rin yun.